As your credit union, one of our highest priorities is the health and wellbeing of our staff, members, and the communities we serve. In this time of uncertainty surrounding coronavirus (COVID-19), we assure you that we are monitoring the situation closely, taking necessary precautions, and as always, are focused on providing you with the best service. Please reference the below information, outlining the preventative actions we are taking to keep our staff and members as safe as possible.

We have designated a Special Team to continue to monitor the situation closely and will provide updates on this site.



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In-Branch Banking
Beginning Thursday, March 19, SC Telco will close branch lobbies (available by appointment only) until further notice.

All SC Telco Drive-Thrus will remain open and have extended hours: Monday – Friday: 8:00am to 6:00pm

Please know this decision was not made lightly, but with deep consideration in doing our part to slow the spread of this virus and keep our staff and members as safe and healthy as possible.

In addition to utilizing the Drive-Thru, you can continue to access your accounts through our digital banking services, Member Service Center at 800.922.0446, ATMs, and Night Deposit Drops. We have put together this short guide for your convenience.


Where Do I Go Guide


Money Withdrawal ATMs / Drive-Thru
Check Deposit Mobile App / Drive-Thru / Night Drop
Safe Deposit Box Access By Appointment Only: Contact Branch
Account Opening/Closing By Appointment Only: Contact Branch
Loan Opening Online / By Appointment Only: Contact Branch
Loan Payment Online / Drive-Thru / 800.922.0446
Skip-A-Pay 800.922.0446
Lost/Stolen Debit Card 800.264.5578
Lost/Stolen Credit Card 800.449.7728
Wires 800.922.0446
General Questions Online / 800.922.0446

We encourage you to sign up for digital banking services for 24/7 access to your account(s). If you prefer not to use online services, you can manage your account at any SC Telco branch Drive-Thru, ATM, or by contacting our Member Service Center at 800.922.0446, Monday – Friday from 8AM to 6PM.

A Mastercard Debit Card is available with a qualified checking account. Contact your local member representative to order a debit card. You may also withdraw cash from your SC Telco account at any SC Telco Drive-Thru, available Monday – Friday from 8AM to 6PM.

For the safety of our staff, we respectfully ask that you do not come to the branch if you are not feeling well. Instead, take advantage of the many digital banking services we have available, including online banking, the SC Telco App, and mobile check deposit. Plus, access SC Telco ATMs at no charge. You can also choose from over 30,000 surcharge free ATMs through our Shared-ATM Network. Our Member Service Center is available Monday – Friday from 8AM to 6PM at 800.922.0446.

We will process all standard teller transactions in the Drive-Thru, including making deposits, withdrawals, cashing checks, cash advances, loan payments, money orders, cashier checks, order checks/cards, IRA transactions and more.

For account openings, loan openings/closings, and access to your safe deposit box, please schedule an appointment with your local member representative.

Your direct deposit will not be impacted. You will receive your direct deposit on the same schedule you normally do.

Digital Banking Conveniences
While we enjoy seeing you in our branches, we encourage you to take advantage of the many digital options available to access your accounts anywhere, anytime.


As our online banking tool that provides 24/7 secure access to manage your accounts, members can view balances, transfer funds, set up security alerts, and more—and do it all from any computer or mobile device browser. Enroll Now

SC Telco Mobile Banking App
Once you have enrolled in MONEYLINK Online, download the SC Telco Mobile Banking App from the app store to access and manage your accounts via your mobile device. Download Now

Mobile Check Deposit
Deposit checks conveniently with the SC Telco Mobile Banking App. Simply choose “Check Deposit” in the menu, take a picture, and tap “Deposit”.

MONEYLINKSM Audio Response
As our telephone banking tool that provides 24/7 access, members can check account balances and transaction history. Call 800.633.4364 and enter your Member Number and PIN.

Online Loan Payments
In addition to digital banking, we offer several no-cost options for making your loan payment within MONEYLINKSM Online. View them all here. Also, quickly and securely make loan payments 24/7 using a debit card or ACH transaction from an account at another financial institution with Online Loan Pay.


If you haven’t accessed your account(s) online recently, please do so to verify your credentials are current and functional.

Financially Impacted?
We know that the impacts of this virus have been financially life-changing for many of our members and small businesses. With a mission to improve the financial lives of the members we serve, if you have been financially impacted by the virus, know that we are here to assist you during this time. Here’s how:

No-fee Skip-A-Pay allows members to defer their monthly payment to a later date on select loans and credit cards. If your income has been disrupted as a result of sick leave or business closure for reasons related to COVID-19, for loans, please contact your local branch or call 800.922.0446 for more details. For credit cards, please call 800.654.7728.

Mortgage Payment Assistance
If you are in need of mortgage payment assistance, please click here

Emergency Assistance Personal Loan
If you need quick access to funds (up to $1,500) to carry you through this time, please contact your local branch or call 800.922.0446 to learn more about our emergency loan option. You may also be able to benefit from a 90-day payment deferral if you choose. Easily apply online here and select “Personal Loan”.

Small Business Mobile Check Deposit
We understand that small businesses are facing unprecedented hardships. In response to branch lobby closures, SC Telco will temporarily* allow small business members to use Mobile Check Deposit through the SC Telco Mobile App. This free service allows you to make business check deposits up to $5,000 daily (up to $2,500 per check) anytime, anywhere.

To get started, endorse your check properly including: your autograph, member number, and “For mobile deposit only SC Telco FCU”. Once complete, open the SC Telco Mobile Banking App, choose “Check Deposit” in the menu, take a picture, and tap “Deposit”.

*Once normal branch operations resume, Mobile Check Deposit services will only be available to consumer memberships.

Financial Wellness Resources
If you are not sure the next step to take financially, we have SC Telco Certified Financial Counselors available to talk with you at no-charge. Email [email protected] to schedule an appointment. Please also take advantage of Your Money Matters, our free online platform with a surplus of financial resources, or speak with GreenPathour chosen non-profit organization that provides comprehensive counseling and money management tools to our members.

Money Safe?
With the ongoing changes to the financial market, we completely understand the uncertainty as it pertains to if your money is safe or not. Have peace-of-mind knowing that your funds are in good hands at SC Telco. Here’s why:

  • SC Telco is strong and stable. We are well capitalized with almost double the reserves of what is required by federal regulators. This means we have a surplus of funds in reserve (think of it as our rainy day fund), and it’s easily accessible if needed.
  • Your deposits are insured by the National Credit Union Administration up to $250,000 per member. Credit union members have never lost a penny of insured savings at a federally-insured credit union, even in the most turbulent of times. Learn more at

Beware of Scams
Unfortunately, scammers are already taking advantage of consumers during this time of uneasiness. Please be hyper vigilant in avoiding websites that are not secure, emails or text from untrusted senders, and social posts or online offers touting preventative treatments. These may be ploys with the intent to take your money and get your personal information.

Please note that if we reach out to you, we will not ask for confidential information such as your name, account passwords, personal identification number, or other account information.

Beware of these current scams:

  • Robocall Scams: Scammers are utilizing robocalls to try to make some bucks off COVID-19-related fears. How do these scams work? They often impersonate a reputable source such as the Social Security Administration, seeking to get your bank account number, Social Security number, or other valuable information. If you get one of these calls, hang up and report the call at!
  • Imposter Scams: Bad actors are attempting to solicit donations, steal personal information, or distribute malware by impersonating government agencies (e.g., Centers for Disease Control and Prevention), international organizations (e.g., World Health Organization (WHO)), or healthcare organizations.
  • Investment Scams: The U.S. Securities and Exchange Commission (SEC) urged investors to be wary of COVID-19-related investment scams, such as promotions that falsely claim that the products or services of publicly traded companies can prevent, detect, or cure coronavirus.
  • Product Scams: The U.S. Federal Trade Commission (FTC) and U.S. Food and Drug Administration (FDA) have issued public statements and warning letters to companies selling unapproved or misbranded products that make false health claims pertaining to COVID-19. Such scams have even included COVID-19-related supplies, such as certain facemasks.

For more information, visit

In other news, this week, the government announced financial aid for Americans. The details are still being worked out, but there are a few really important things to know in order to protect yourself from potential scams. Read more at

Good Hygiene
We encourage you to practice preventative measures as instructed by the Center of Disease Control.